Getting a title loan without a car title is impossible. As the name implies, the car’s title is collateral for the loan.
There are a lot of types of loans out there, and title loans are among the more dangerous versions. If you fail to pay, the lender will take your car.
Additionally, title loans typically have very high interest rates and fees, which can lead to a deeper and steeper decline into debt.
However, if you’re still set on a title loan and you don’t have the title because you lost it, then you can apply for a duplicate title at your local DMV. Note that it may involve paying a fee.
Alternatively, you wouldn’t need a car title to apply for a personal loan at a bank or get a private loan from a family member or friend. So consider going one of those two routes instead.
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